Total CFPB complaints
21
All-time across CCDB intake
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
2026 CFPB data Public-data reference. FDCPA reference 21 complaints
Mid Continent Credit Services, Inc — Debt Collector Complaint Profile
CFPB complaint profile across 11 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about Mid Continent Credit Services, Inc
- Cont'd attempts collect debt not owed
Cont'd attempts collect debt not owed
10 complaints
- Disclosure verification of debt 3
Disclosure verification of debt
3 complaints
- Improper contact or sharing of info 2
Improper contact or sharing of info
2 complaints
- False statements or representation 2
False statements or representation
2 complaints
- Communication tactics 2
Communication tactics
2 complaints
- Written notification about debt 1
Written notification about debt
1 complaints
C
Grade C · 62.1/100 composite
This collector has an average complaint record with moderate complaint volumes and typical response rates.
What do CFPB complaints reveal about Mid Continent Credit Services, Inc?
Mid Continent Credit Services, Inc has accumulated 21 total CFPB complaints across 11 states, with 0 filed in the most recent 12 months against 21 historical complaints before that window. The trailing-12-month volume represents 0.0% of the full complaint history, a stable pattern that indicates a mature dispute profile with predictable monthly volumes.
The dominant consumer grievance logged with the CFPB is "Cont'd attempts collect debt not owed", narrowing to "Debt was paid", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 86% timely-response rate against a 26% consumer-dispute-after-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 11 states, led by Kansas with 9 and Arkansas with 3, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 62.1/100 places Mid Continent Credit Services, Inc in grade band C, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
0
0.0% of total history
Stable →
States active
11
Distinct state filings
Timely response rate
86%
Within CFPB SLA window
Consumer disputes
26%
After company response
Reputation grade
C
62.1/100 composite
Response-quality profile
How Mid Continent Credit Services, Inc performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 85.7%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 52.6%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 19.6%
Share of US states + territories with at least one filed complaint against this collector.
How does Mid Continent Credit Services, Inc compare to its peers?
Mid Continent Credit S… National average
Complaints (last 12 mo)lower is better
Timely-response ratehigher is better
Consumer-dispute ratelower is better
Source: CFPB Consumer Complaint Database. Complaints reflect consumer reports, not proven violations.
Complaint Trend (24 months)
2013-08 2018-01
Top Consumer Issues
Cont'd attempts collect debt not owed10 (%)
Disclosure verification of debt3 (%)
Improper contact or sharing of info2 (%)
False statements or representation2 (%)
Communication tactics2 (%)
Written notification about debt1 (%)
Most common issue: Cont'd attempts collect debt not owed — Debt was paid
Know Your Rights
If this company is contacting you, you have rights under the FDCPA. They must stop contacting you if you send a written cease-communication request. You can also request written validation of the debt within 30 days.
Issue Detail Breakdown
| Issue | Sub-Issue | Complaints |
|---|---|---|
| Cont'd attempts collect debt not owed | Debt was paid | 6 |
| Cont'd attempts collect debt not owed | Debt is not mine | 3 |
| Disclosure verification of debt | Right to dispute notice not received | 2 |
| Improper contact or sharing of info | Talked to a third party about my debt | 2 |
| False statements or representation | Attempted to collect wrong amount | 2 |
| Communication tactics | Used obscene/profane/abusive language | 1 |
| Cont'd attempts collect debt not owed | Debt was discharged in bankruptcy | 1 |
| Written notification about debt | Didn't receive notice of right to dispute | 1 |
| Communication tactics | Threatened to take legal action | 1 |
| Disclosure verification of debt | Not given enough info to verify debt | 1 |
Where do complaints against Mid Continent Credit Services, Inc come from?
The states where consumers have filed the most CFPB complaints against Mid Continent Credit Services, Inc. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against Mid Continent Credit Services, Inc
Across 11 states with at least one filing
- Kansas
Kansas
9 complaints
- Arkansas 3
Arkansas
3 complaints
- Ohio 1
Ohio
1 complaints
- Michigan 1
Michigan
1 complaints
- Oklahoma 1
Oklahoma
1 complaints
- Iowa 1
Iowa
1 complaints
- Texas 1
Texas
1 complaints
- Illinois 1
Illinois
1 complaints
Frequently Asked Questions
What is the most common complaint against Mid Continent Credit Services, Inc? ▼
The most common issue consumers report about Mid Continent Credit Services, Inc is "Cont'd attempts collect debt not owed", specifically "Debt was paid". This is based on 21 complaints filed with the CFPB.
Are complaints against Mid Continent Credit Services, Inc increasing or decreasing? ▼
Complaints against Mid Continent Credit Services, Inc have been stable. The company received 0 complaints in the last 12 months.
What is Mid Continent Credit Services, Inc's reputation grade? ▼
Mid Continent Credit Services, Inc has a reputation grade of C (score: 62.1/100). This collector has an average complaint record with moderate complaint volumes and typical response rates.
Does Mid Continent Credit Services, Inc respond to consumer complaints? ▼
Mid Continent Credit Services, Inc has a 86% timely response rate to CFPB complaints. Consumers disputed the company's response in 26% of cases.
In how many states does Mid Continent Credit Services, Inc operate? ▼
Mid Continent Credit Services, Inc has received CFPB complaints from consumers in 11 states, with the most complaints from Kansas (9 complaints).
What can I do if Mid Continent Credit Services, Inc is contacting me? ▼
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request written debt validation within 30 days of first contact. You can also send a cease-communication letter to stop calls. If Mid Continent Credit Services, Inc violates the FDCPA, you may be able to sue for damages up to $1,000 plus attorney fees.
Consumer Guides
Primary source data
Read our methodology — how this data is sourced, computed, and verified.
Related
Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial
| Publisher | Kiznis Studio |
| Sources | the CFPB Consumer Complaint Database |